Draft Firm Refund Demand Notice

Capital One has kept a refund of mine in limbo long enough that a collection agency is now hounding me for the unpaid balance. I want a concise, lawyer-style notice addressed directly to Capital One’s legal department that demands immediate processing of the refund and makes clear that continued collection efforts are unacceptable.

Here is what I need from you:
• A one-to-two-page letter in professional legal format, firm in tone, that cites any relevant federal or state consumer-protection statutes or banking regulations supporting my claim.
• Clear language that (a) demands the refund be processed without further delay, (b) instructs Capital One to halt or recall any collection activity, and (c) warns of potential escalation if they fail to comply.
• Two deliverable files: an editable Word document and a ready-to-send PDF, both with space for me to insert personal account details and signature.

I will supply my account number, dates, and correspondence history once we start. The letter must be polished, legally sound, and ready for mailing or email within 48 hours.